Nordia Payment Service AB

Name

Nordia Payment Service AB

Legal name

Nordia Payment Service AS

Website

https://nordiapay.no

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

NordiaPay (Nordia Payment Service AS) is a Norwegian provider of payment terminals (Nets, Verifone, iMin) and cash register systems (Susoft cloud POS and PCK) serving SMBs in retail, restaurants, hotels, automotive workshops, veterinary clinics, and leisure venues, with deep integrations to Norwegian ERP/accounting platforms.

Ownership category

akta.pro rank

Product category

Payment Processing Services

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Wholesale-Computers & Peripheral Equipment & Software (5045)

akta.pro primary industry

Mobile POS (mPOS) Devices & Handheld Terminals (HDACAKAB)

Keywords

• Payment terminal solutions
• POS cash register systems
• Card payment processing
• Merchant payment services
• POS software platforms

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain, Others

Revenue model

1. Payment terminal transaction fees: Revenue is generated through transaction fees on card payments processed through the company's payment terminals. Merchants pay for each card transaction processed.
2. Terminal rental (Sesongleie/seasonal rental): The company offers seasonal and short-term rental of payment terminals for events, popup shops, and other temporary needs. Revenue is earned through rental fees.
3. POS/cash register system sales: Revenue from selling and supporting cash register systems (Susoft and PCK) to businesses across various industries, compliant with Norwegian Kassasystemloven.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

NordiaPay distributes, supports, and integrates payment terminals (from Nets, Verifone, and iMin) and cash register / POS software (Susoft cloud-based Android POS and the long-established PCK system) for Norwegian businesses. The offering spans stationary and mobile terminals, contactless/NFC and mobile wallet acceptance, dynamic currency conversion, multi-user terminal sharing, pre-authorization, seasonal rental, and pre-built integrations with Norwegian accounting systems (Visma, Tripletex, Xledger, etc.) and vertical-specific platforms for automotive, veterinary, hotel, and leisure sectors. Customers include SMBs and mid-market chains across retail, food service, accommodation, automotive, veterinary, and culture/leisure industries.

Product overview

NordiaPay operates as a comprehensive payment and POS solutions provider in Norway, offering two core product lines: Susoft (cloud-based Android POS system) and PCK (cash register system for retail, dining, and culture/leisure sectors). The portfolio includes stationary payment terminals from Nets and Verifone (Desk3500, Lane3600, Lane3000, P400), mobile/portable terminals (Move3500, V400m, N950 SmartPOS, iMin Swift 2 Pro), and extensive service offerings including contactless payment, dynamic currency conversion, restaurant solutions, multi-user capabilities, pre-authorization, and seasonal rentals. Susoft provides modular add-ons including touch screens, handheld POS, inventory management, accounting integration, e-commerce, QR ordering, hotel booking, and gift cards. Integration partnerships connect with industry-specific systems (Norbits, Provet Cloud, Helios Auto, Bilberry, Spense) and major Norwegian accounting platforms (Visma, Tripletex, Xledger).

Differentiator

Problem solved

Functional benefit

Products and services

• Susoft Kassasystem Cloud-based Android cash register/POS system that unifies in-store sales, e-commerce, table reservations, appointment booking, ticket sales, hotel booking, and customer loyalty into one platform for restaurants, retail, salons, fitness centers, hotels, and events.
• PCK Kassasystem One of Norway's most widely used cash register systems for over 20 years; NordiaPay distributes and supports PCK for Norwegian retail, dining, and culture/leisure sectors with flexible, user-friendly POS solutions.
• Desk3500 Stationary Payment Terminal Stationary payment terminal from Nets designed for high transaction volumes; can be integrated with cash register and features built-in printer and contactless ("tæpping") as standard.
• Lane3600 Stationary Payment Terminal Fast and secure stationary Nets payment terminal designed for cash register integration only, with a scratch-resistant touch screen and compact design.
• Lane3000 Stationary Payment Terminal Stationary Nets payment terminal handling high transaction volumes with BankAxept as standard and supporting all card types used in commerce; integrated with cash register.
• P400 PIN-pad Advanced high-performance Verifone PIN-pad with multimedia commerce capabilities, integrated with cash register; features a color touchscreen for promotions, offers, and loyalty programs.
• Move3500 Mobile Payment Terminal Mobile/portable Nets payment terminal communicating via 4G, WiFi, or Bluetooth for use where the customer is located; supports the Pay@Table restaurant solution.
• V400m Mobile Payment Terminal Mobile/portable Verifone payment terminal with full functionality that fits in hand; features 4G, Bluetooth, and WiFi connectivity for standalone or cash register-integrated use.
• N950 SmartPOS Android-based mobile SmartPOS terminal with pre-installed apps for tips handling, dynamic currency conversion (DCC), and digital receipts; built-in WiFi and 4G with automatic software updates.
• iMin Swift 2 Pro Handheld POS Android 13 (64-bit) handheld POS terminal with NFC transaction capability combining full cash register solution and payment terminal in one lightweight device.
• Sesongleie (Seasonal/Short-Term Terminal Rental) Short-term and seasonal rental of payment terminals for businesses needing temporary acceptance — events, popup shops, festivals, and seasonal operations.
• Pay@Table Restaurant Solution Restaurant payment solution integrating Move3500 mobile terminals with restaurant POS via WiFi or Bluetooth, enabling wait staff to perform cash register functions at the table (up to 7 terminals per base station).
• Multibruker (Multi-User Terminal Sharing) Multi-user service allowing up to 10 independent businesses to share a single payment terminal, each receiving payments to their own settlement account with customized receipt information.
• Pre-autorisasjon (Pre-authorization Service) Service for reserving amounts on customer payment cards to guarantee payment for services used, with incremental authorization and reversal support; ideal for hotels, car rental, and similar use cases.
• Brukerstedsportalen (Merchant Portal) Nets merchant portal enabling businesses to monitor all card transactions, generate reports, download data to Excel/XML, and export via SFTP to third-party systems, with filtering by time, card type, currency, outlet, and amount.
• Nets MyPayments App providing business insights and visibility into customer purchasing behavior, showing transaction data, sales trends, and customer loyalty metrics.
• Dynamisk valutakonvertering (DCC) Dynamic Currency Conversion service from Nets letting foreign customers pay in their own currency while the merchant receives settlement in NOK; supports EUR, USD, CHF, GBP, JPY, SEK, NOK, DKK, AUD, CAD, PLN, ISK, CNY, RUB.
• Kontaktløs betaling (Contactless Payment Service) Contactless payment service (NFC/Tæpping) enabling customers to pay by holding card, mobile, or smartwatch near the terminal without PIN for amounts under 400-500 NOK.
• Alipay Merchant Acceptance Alipay payment acceptance for Chinese tourists via QR code scanning by merchant staff using a cashier app; customer charged in Chinese Yuan while merchant receives settlement in Norwegian Krone.
• Vipps Merchant Integration Norwegian mobile payment app integration supporting contactless payment via mobile phone, instant payment requests, and multiple simultaneous transactions through BankAxept.
• Smarttilbehør / Wearable Payments Contactless payment support via rings, watches, wristbands, and keychains (Fidesmo, Tapster, Neos, Digiseq) without PIN required for amounts over 500 NOK.
• Kredittkort - Innløseravtaler (Credit Card Acquirer Agreements) Credit card acceptance (acquiring) agreements through partners including Nets (formerly Teller), Elavon, Swedbank, Bambora (Worldline), and Handelsbanken, supporting MasterCard, Visa, Diners Club, American Express, JCB, UnionPay and more.
• Integrasjoner (Integration/API Services) Pre-built integration/API package connecting payment terminals and POS systems to industry-specific ERP and professional systems (e.g., Visma, Tripletex, Xledger, UniMicro, PowerOffice, Mamut, 24SevenOffice, Norbits, Provet Cloud, Helios Auto, Bilberry, Spense, HotSoft) for end-to-end workflow.
• Tilbehør & Rekvisita (Accessories & Consumables) Accessories and consumables for payment terminals including paper rolls, charging bases, batteries, car chargers, cases, integration cables, and stands.
• Retur av varer på BankAxept (BankAxept Refunds) Service enabling customers to receive refunds directly to their bank account when returning items purchased with BankAxept, reducing cash handling and simplifying returns.
• Kassasystemloven Compliant Cash Register Solutions Cash register (POS) solutions that meet the requirements of the Norwegian Kassasystemloven (cash register law) from 2019, ensuring proper documentation of cash sales for bookkeeping-obligated businesses.

Quantifiable outcome

• DCC Dynamic Currency Conversion can generate up to NOK 50,000 in potential commission per year for merchants with NOK 5 million in foreign currency turnover.
• +1 more outcomes

Named customers9 records

Segments7 records

Ideal customer profiles7 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration24 records

Feature9 records

Partnerships

15 partnerships are on record, tiered core and minor.

• NetscoreTechnology or IntegrationNets is the primary technology provider for payment terminals (Desk3500, Lane3600, Lane3000, Move3500, N950 SmartPOS) and merchant services (Brukerstedsportalen merchant portal, Netaxept online payments). Nets provides the underlying payment infrastructure and network services for the majority of NordiaPay's terminal fleet.
• VerifonecoreTechnology or IntegrationVerifone is a technology partner providing payment terminal hardware (P400 PIN-pad, V400m mobile terminal). NordiaPay distributes and supports Verifone terminals as part of its product portfolio.
• PCK AScoreTechnology or IntegrationPCK AS (Pckasse) is the provider of the PCK cash register system, one of Norway's most widely used POS systems for over 20 years. NordiaPay is a partner distributing PCK solutions for Norwegian retail, food service, and leisure sectors.
• BankAxeptcoreTechnology or IntegrationBankAxept is Norway's dominant domestic card payment network. NordiaPay's terminals support BankAxept cards and the BankAxept payment ecosystem including mobile payments via Vipps.
• Teller (Nets)coreChannel Partner/ Reseller/ DistributorTeller (now part of Nets) is a card acquirer enabling acceptance of international credit cards (Visa, Mastercard, etc.). NordiaPay collaborates with Teller to provide card acceptance services.
• ElavonminorChannel Partner/ Reseller/ DistributorElavon is a card acquiring partner listed alongside NordiaPay for enabling credit card acceptance at merchant terminals.
• SwedbankminorChannel Partner/ Reseller/ DistributorSwedbank is a card acquiring partner for credit card acceptance, listed as a payment option partner for NordiaPay merchants.
• Bambora (Worldline)minorChannel Partner/ Reseller/ DistributorBambora (now part of Worldline) is a card acquiring partner enabling acceptance of various credit and debit cards for NordiaPay merchant customers.
• HandelsbankenminorChannel Partner/ Reseller/ DistributorHandelsbanken is a card acquiring partner for credit card acceptance, listed as a partner alongside NordiaPay.
• Spense AScoreTechnology or IntegrationSpense provides digital payment solutions for the automotive industry, enabling payment links via SMS, card terminal payments, Vipps, invoice, and instalment options. Nearly 170 car dealers have been integrated with NordiaPay terminals through Spense.
• Bilberry Technologies AScoreTechnology or IntegrationBilberry provides booking, operations, and resource management software for tour operators, activity companies, and experience businesses. NordiaPay integrates payment terminals with the Bilberry platform for customers in the leisure and tourism sector.
• Helios Auto ApScoreTechnology or IntegrationHelios Auto provides workshop management IT systems for the automotive industry (car, truck, agricultural, motorcycle, boat workshops). NordiaPay has an integration agreement for integrated payment terminal and POS solutions compliant with Kassaloven.
• Provet (Nordhealth Norway AS)coreTechnology or IntegrationProvet Cloud is a cloud-based journal/practice management system for veterinary clinics. NordiaPay integrates payment terminals with Provet Cloud for veterinary customers including AniCura, EMPET, and Lillehammer Dyreklinikk.
• Norbits AScoreTechnology or IntegrationNorbits provides norbits.Verksted workshop management system and norbits.Pay cash register solution for car and tyre workshops. NordiaPay provides integrated payment terminals as part of the partnership.
• SoftPaycoreTechnology or IntegrationSoftPay is the payment solution embedded in NordiaPay's Susoft POS terminals (M1, M8, M10), enabling card payment processing directly through the POS device.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Nets (Nexi Group): Nets is NordiaPay's primary technology partner and provides the Desk3500, Lane, Move, and N950 terminals as well as the Brukerstedsportalen merchant portal. As part of the Nexi Group payments consolidator, Nets is a broad incumbent that competes and partners simultaneously with NordiaPay across terminal distribution, acquiring, and merchant services in the Nordics.
• Worldline (Bambora): Worldline acquired Bambora and now provides card acquiring and POS/payment services across Europe including the Nordics. It is a broad incumbent that partners with NordiaPay for card acceptance while also serving merchants directly through its own acquiring and POS offerings.
• Aditro (Visma Retail): Aditro, now part of Visma, provides retail, ERP, and POS software across the Nordics. It overlaps with NordiaPay's PCK and Susoft cash register offerings in Norwegian and Nordic retail and hospitality verticals, making it a broad incumbent peer.
• Block (Square): Block operates Square, a global mPOS and integrated commerce platform combining hardware and software for SMBs. As a broad incumbent with venture-backed scale, Square competes with NordiaPay for Norwegian and Northern European merchants seeking all-in-one payment and POS solutions.

Direct peers

• SumUp: SumUp is a European mPOS specialist selling card readers and integrated software to SMBs. With strong Northern European footprint and a direct merchant acquisition model, SumUp directly competes with NordiaPay's mobile payment terminal and SMB POS positioning.
• Zettle (PayPal): Zettle, owned by PayPal, provides mPOS hardware and integrated POS software to SMBs across Northern Europe. It directly competes with NordiaPay's mobile payment terminals and Susoft cloud POS in the same merchant segments.
• Verifone: Verifone supplies the P400 and V400m terminals that NordiaPay resells, but Verifone also sells direct to large merchants globally. It is the closest direct peer as a payment terminal manufacturer and POS hardware provider in the same product category.
• PCK AS (PCkasse): PCK AS is the developer of the PCK cash register system that NordiaPay resells. While a partner, PCK also sells its own software and integrates terminals, making it a direct peer in the Norwegian retail, food service, and leisure POS category.

Regional players

• Aptic: Aptic is a Nordic payment solutions provider offering payment processing and merchant services across Scandinavia. It overlaps with NordiaPay's payment acceptance and acquiring-adjacent services for SMB merchants in similar regional markets.

Emerging players

• Stripe Terminal: Stripe Terminal extends Stripe's software-led payments stack with mPOS hardware (Stripe Reader, BBPOS, etc.) and offers deep developer APIs. As an emerging player in physical retail, Stripe Terminal increasingly competes with NordiaPay's modern Susoft cloud POS in software-merchant segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/nordia-payment-service-as

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nordia Payment Service AB